Mezzanine finance for Buxton developers
Second-charge development funding to 90 to 95 percent of cost, priced against Buxton's own evidence: 1,088 recorded sales in the last 12 months and 50 units in live planning applications. We lend from our own book and arrange whole of market where that serves you better.
The Buxton market, in numbers we underwrite from
A mezzanine loan is a view on whether a scheme will sell at the price its appraisal claims, so every Buxton deal starts with the local evidence. Over the last 12 months the town recorded 1,088 sales at a median of £255,000, down 1 percent year on year. New build stock commands a premium of about 54.4 percent over existing homes on 29 new build completions, which matters directly to how we read a developer's sales assumptions.
What Buxton stock actually sells for
| Property type | Median sold price, 12m |
|---|---|
| Detached | £425,000 |
| Semi-detached | £275,000 |
| Terraced | £212,000 |
| Flats | £165,000 |
HM Land Registry price paid data, trailing 12 months, refreshed 5 July 2026.
Live planning activity at Derbyshire Dales District Council
Over the last 3 months our monitors logged 77 relevant applications, 14 approved and 61 awaiting decision, an approval rate of 100 percent on decided cases. Together the live residential applications propose 47 units with an estimated end value of £12.1m.
Schemes moving through planning now
| Proposal | Units | Status |
|---|---|---|
| Outline planning permission is sought for the erection of up to 33 No. dwellings with all matters reserved except access. | 33 | Awaiting decision |
| Outline application with all matters reserved other than access for the erection of up to 9 dwellings with associated vehicular and pedestrian access landscaping and drainage infrastructure | 9 | Awaiting decision |
| Proposed loft conversion, including dormer window and a single storey side and rear extension to dwellinghouse | 1 | Permitted with Conditions |
| Change of use of a single dwelling into 2no. 1 bedroom flats and associated building works | 1 | Awaiting decision |
Sourced from Derbyshire Dales District Council public register. If one of these is your scheme, we already know the context.
Gap funding for Buxton schemes
The structure is the same one we write everywhere: your senior lender keeps first charge and funds the majority of cost, our mezzanine finance takes a second charge over the next slice, and your equity requirement falls, typically from around 35 percent of cost to 5 or 10. Terms run 6 to 36 months, pricing is indicatively from 12 percent a year, and a complete enquiry gets a term sheet inside 48 hours. Model a Buxton scheme with the leverage calculator, or see the wider county picture on our Derbyshire page and the national view in the UK development pipeline tracker.
Indicative terms in Buxton
- Loan size£250k to £5m
- Combined leverageUp to 90 to 95% LTC
- Term6 to 36 months
- PricingFrom 12% a year
- SecuritySecond charge plus PGs
- DecisionTerm sheet in 48 hours
Indicative only; every loan is priced case by case.
Mezzanine in Buxton, answered
Do you fund developments in Buxton?
Yes. We lend second-charge mezzanine on residential and mixed-use schemes in Buxton and across Derbyshire, typically taking combined leverage to 85 to 95 percent of cost alongside a senior facility. Where a case suits another funder better, we arrange it whole of market.
What does the Buxton market look like right now?
Over the last 12 months Buxton recorded 1,088 sales at a median of £255,000, down 1 percent year on year. The live planning pipeline holds 50 units with an estimated GDV of £12.8m. The figures on this page refresh as the underlying Land Registry and planning data updates.
Does new build stock sell at a premium in Buxton?
On the last 12 months of Land Registry data, the 29 new build sales in Buxton priced about 54.4 percent above comparable existing stock. That premium is one of the first numbers we check when we underwrite a Buxton appraisal.
How quickly can a Buxton scheme get terms?
A complete enquiry gets a considered credit view and term sheet inside 48 hours, and typical enquiry to drawdown is 4 to 6 weeks, run in parallel with your senior lender.
More Derbyshire markets
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View Chesterfield → DerbyshireMatlock
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View Matlock → DerbyshireDerby
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View Derby → DerbyshireBelper
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View Belper → DerbyshireIlkeston
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View Ilkeston →Building in Buxton?
Share the scheme and get a term sheet in 48 hours, underwritten with the same Buxton evidence on this page.